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steveandlooby

Member Since: 07 Nov 2009
Location: Bedfordshire
Posts: 35

2008 Defender 110 Puma 2.4 XS CSW Java Black

INSURANCE ROBBERY

I think i'm basically just an ungrateful, miserable old git. My insurance co - NFU - has generously offered a 2yr bonus discount for my (proposed) loyalty in signing up again - all £58.61p. I'm just finding it terribly difficult to celebrate in view of the fact that the policy has actually gone up just a little over 99%. Yep, you heard it right £419 to over £835. Is your company as generous? Robbing b+*+**ds

7th Jul 2011 5:47pm

T1G UP

Member Since: 08 Dec 2009
Location: Bath
Posts: 3101

2011 Defender 110 Puma 2.4 XS CSW Orkney Grey

yes,

listen to this. 2 cars ones a 90 the other a vw, 9 years NCB....protected....so i thought. had a bump in the vw, 3rd party cut straight across me on a major round about taking the front offf th car.

apparently i had only protected m 90s insurance and not the vw! so my premium is now £1000. so a 300% increase and lost 7 years ncb. fuming, the reps getting it tomorrow.

7th Jul 2011 7:08pm

Bob Sheeley

Member Since: 07 Jun 2011
Location: Inside M25
Posts: 18

I renewed for £385 with business use. Hastings Direct although they kept trying to sell me add ons Bob Sheeley

7th Jul 2011 7:12pm

nicknick

Member Since: 28 Feb 2011
Location: halifax
Posts: 30

2010 Defender 90 Puma 2.4 CSW Tonga Green

its par for the course matey, i too have just had my renewal from NFU, get this...
my puma and the wifes tdv8 RR are on the same policy

last year £1100 for both cars, not too bad considering they are insuring £80,000 worth of cars

this year £3900!!! W.T.F ?

So i phoned every insurance company in the UK (well it felt like it)

outcome...... cheapest i could find was £4700 from a so called LR specialist insurer so i renewed with NFU.

All the companies i spoke to said insurance has gone up dramatically to cover the cost of all the severe weather
claims they had last year.

it still hurts 2 weeks after renewing, how much is the fine nowadays for having no insurance ?
in my local paper it seems to be between £80 -£160.......hmm

now im just being silly cos i got stiffed!

7th Jul 2011 7:15pm

Dave-H

Member Since: 08 Feb 2011
Location: Surrey
Posts: 1507

2007 Defender 90 Puma 2.4 HT Tonga Green

Hmmm ... ive been with Direct Line for years, simply because no-one comes close to them for quotes on my 90
2007 tdci, fully comp, me and wife as named driver ... £274 Guns and Landrovers .... anything else is irrelevant.

7th Jul 2011 7:21pm

diesel_jim

Member Since: 13 Oct 2008
Location: hiding
Posts: 6092

It's not just the NFU, lots of insurance companies are hiking their prices up.

We had one of the area managers for the NFU in work the other week (our fleet is with them, as is my private insurance car & house)

He was explaining that it's the general increase in no-win-no-fee companies (which are being outlawed) and dodgy types who cause accidents just to make a claim.

The insurance companies have to cover their arses!

7th Jul 2011 8:46pm

Kez

Member Since: 11 Apr 2011
Location: UK
Posts: 271

As some may have read I came from owning a Porsche 911 Turbo. had and agreed value of £27.5k. 0-60 is about 4 sec, and I saw over 190mph many a time - so when I went to renew yesterday ( 07 Defender XS with a few era bits etc, valued at £18.5k ) was told I had to pay an EXTRA £60.00 pa - am bloody furious

8th Jul 2011 12:04pm

Happyoldgit

Member Since: 14 Sep 2007
Location: Norfolk
Posts: 3471

2015 Defender 110 Puma 2.2 USW Corris Grey

After many years with NFU I've just left them after they wanted to up my premium by a huge amount to cover the same vehicle with the same cover under the same circumstances at renewal time last month. I have absolutely no complaints about the service I received from them over the years but my loyalty does not extend that far! When I queried the hike I received the following:

Quote:
The premium increases this year are due to a number of changes the NFU Mutual have made this year which are : -

* The Government have increased the Insurance premium Tax to 6%.
* The Mutal bonus on the policy was doubled for last year as it was NFU Mutual's centenary year (your bonus was 18% in 2010 and is 10% this year).
* The Underwritters have revised all rating factors used on our policies including postcodes and vehicle types as well as taking in to account large personal injury claims that are now common, this has lead to increases in the majority of our policies.

Steve.
Owned numerous Land Rover vehicles of all shapes and sizes over the decades.
Current Defender: A non tarts hand-bagged Puma 110 XS USW.

[Insert something impressive here such as extensive list of previous Land Rovers or examples of your prestigeous and expensive items, trinkets, houses, bikes, vehicles etc]

http://forums.lr4x4.com

I used to be Miserable ...but now I'm ecstatic.

8th Jul 2011 12:29pm

LESVOSD110

Member Since: 19 Aug 2009
Location: South Africa
Posts: 241

2010 Defender 110 Puma 2.4 SW Fuji White

Here in the land of World Micro-scope we pay on the the vehicle cc's and never mind the value.Sports items are are also nailed.My qaud bike has nearly the same premium as my 110 at a 1/10 of the value.

Puma 110 SW
90 V8 SOFT TOP

8th Jul 2011 12:31pm

Ads90

Member Since: 16 Jun 2008
Location: Cots-on-the-Wolds
Posts: 809

2007 Defender 90 Puma 2.4 CSW Keswick Green

I've just dropped NFU as the quote was 50% up on last years - thought it was going to be typical across the board, but after trying a few others found that cheaper quotes are out there - in fact ended up with the AA for less than I was paying last year!
Seem like the NFU are no longer interested in car insurance (or at least not LR insurance)!

8th Jul 2011 2:32pm

scotty38

Member Since: 21 May 2011
Location: Lincolnshire
Posts: 571

2012 Defender 110 Puma 2.2 USW Aintree Green

Miserableolgit wrote:

Quote:
.....as well as taking in to account large personal injury claims that are now common, this has lead to increases in the majority of our policies.

A couple of years ago I had a slight bump in slow moving traffic, I barely touched the car in front although it did crack my number plate slightly. I saw no damage on the car in front and she probably wouldn't have known if I'd not got out.

She put a claim in of £5000 for whiplash.....

I queried it with my insurer and they said there was nothing they could do as she had a dcotor's note!!

8th Jul 2011 4:46pm

22900013A

Member Since: 23 Dec 2010
Location: Oxfordshire
Posts: 3149

2011 Defender 110 Puma 2.4 USW Keswick Green

Come on, we have known for years that insurance is just legal theft! 2011 110 USW
1973 Series III 1-Ton
1972 Series III 1-Ton Cherrypicker
1969 IIA 1-Ton
1966 IIA 88"

8th Jul 2011 5:41pm

mse

Member Since: 06 Apr 2008
Location: UK
Posts: 5035

2016 Defender 110 Puma 2.2 XS CSW Scotia Grey

scotty38 wrote:
Miserableolgit wrote:

Quote:
.....as well as taking in to account large personal injury claims that are now common, this has lead to increases in the majority of our policies.

A couple of years ago I had a slight bump in slow moving traffic, I barely touched the car in front although it did crack my number plate slightly. I saw no damage on the car in front and she probably wouldn't have known if I'd not got out.

She put a claim in of £5000 for whiplash.....

I queried it with my insurer and they said there was nothing they could do as she had a dcotor's note!!

Thats the problem though - the more the insurance companies screw us, the more we are more likely to claim and the more we would go for.

What happened to the days of Sorry mate, ill pay to get that fixed for you Mike

8th Jul 2011 5:46pm

22900013A

Member Since: 23 Dec 2010
Location: Oxfordshire
Posts: 3149

mse wrote:
scotty38 wrote:
Miserableolgit wrote:

Quote:
.....as well as taking in to account large personal injury claims that are now common, this has lead to increases in the majority of our policies.

A couple of years ago I had a slight bump in slow moving traffic, I barely touched the car in front although it did crack my number plate slightly. I saw no damage on the car in front and she probably wouldn't have known if I'd not got out.

She put a claim in of £5000 for whiplash.....

I queried it with my insurer and they said there was nothing they could do as she had a dcotor's note!!

Thats the problem though - the more the insurance companies screw us, the more we are more likely to claim and the more we would go for.

What happened to the days of Sorry mate, ill pay to get that fixed for you

Went out of the equation when car repairs began to cost a fortune, new bumpers at four number figures etc etc, folk just can't afford it. 2011 110 USW
1973 Series III 1-Ton
1972 Series III 1-Ton Cherrypicker
1969 IIA 1-Ton
1966 IIA 88"

8th Jul 2011 5:56pm

mse

Member Since: 06 Apr 2008
Location: UK
Posts: 5035

22900013A wrote:
mse wrote:
scotty38 wrote:
Miserableolgit wrote:

Quote:
.....as well as taking in to account large personal injury claims that are now common, this has lead to increases in the majority of our policies.

A couple of years ago I had a slight bump in slow moving traffic, I barely touched the car in front although it did crack my number plate slightly. I saw no damage on the car in front and she probably wouldn't have known if I'd not got out.

She put a claim in of £5000 for whiplash.....

I queried it with my insurer and they said there was nothing they could do as she had a dcotor's note!!

Thats the problem though - the more the insurance companies screw us, the more we are more likely to claim and the more we would go for.

What happened to the days of Sorry mate, ill pay to get that fixed for you

Went out of the equation when car repairs began to cost a fortune, new bumpers at four number figures etc etc, folk just can't afford it.

Most of the expence isnt actual cost - its insurance company inflated cost though.

Hence you go to them and say its not through insurance and the price can half Mike

8th Jul 2011 7:51pm

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